The Official Web Site of the State of South Carolina

The Department will be closed Monday, February 2 due to winter weather. You can file a complaint and submit applications for licensing online. Filings you do not wish to make or that are not available online can be submitted via mail for processing. You can also email general questions to scdca@scconsumer.gov.

South Carolina Department of Consumer Affairs

Dealing with Debt

Credit Counseling

Credit Counseling (PDF) - What to do when you think credit counseling is right for you.
Credit Repair (PDF) - Having a plan in place to repair your credit can eliminate unnecessary worry. Here are a few steps to get you started.
Credit Reports - What They Are and Why They Matter (PDF) - Learn the basics of credit reports including how they are used, improving your credit score and the common credit myths.
Tips for Choosing a Credit Counselor (YouTube Video) - This video explains the things you need to know before contacting anyone about credit counseling.

Debt Collection

Debt Collection (PDF) - With consumer debt at all-time highs, more people are being contacted by "debt collectors". Know your rights.
Debt Collection FAQs
Debt Collection Webinar (YouTube Video)
Debt Collection Scam (YouTube Video) - SCDCA warns consumers to be on guard of a telephone scam that plays on consumer fears by threatening incarceration for a past debt.
Wage Garnishment (YouTube Video) - Understand wage garnishment and learn when your money can and can't be taken.